Walton County property record for 596 Mallet Bayou Rd, Freeport, FL 32439
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,550 sqft · built 1987 |
| Lot Size | 0.972 acres (42,340 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Nov 2021) |
| Tax Bill | $3,065 (2025) |
| Deeds & Mortgages | Jun 2024 Line of Credit Dec 2025 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 34-1S-19-23100-000-0090 |
| Primary APN | 34-1S-19-23100-000-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,550 sqft Living Area |
| Gross Area | 1,998 sqft |
| 1st Floor Area | 1,550 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 42,340 sqft (0.972 acres) |
| Lot Dimensions | 375 ft deep x 113 ft wide |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 448 sqft |
| Shed | 1 Shed |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 596 MALLET BAYOU RD |
|---|---|
| City | FREEPORT |
| State | FL |
| Zip | 32439-4604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BYMALL |
| Legal Description | COM NE/C OF LAIRDS 2ND ADD, N 1132.31FT, W 2718.23FT TO POB, S 55 DEG 45'55W 90FT, N 73 DEG 01'40W 366.75FT TO MALLET BAYOU, ELY ALONG WATER 135FT, S 66 DEG 57'55E 373.95FT TO POB (AKA LOT 9 UNREC S/D OF SW1/4 OF NW1/4 E OF MALLET BAYOU) OR 2372-806 |
| Legal Range | 019 |
| Legal Township | 01S |
| Legal Section | 34 |
| Legal Subdivision | LAIRDS 2ND ADD |
| Legal Lot Number | 90 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | FREEPORT |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 950502 |
Source: Walton County records · APN 34-1S-19-23100-000-0090
Assessment roll updated December 3, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 596 MALLET BAYOU RD, FREEPORT, FL 32439-4604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 17, 2024 | Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC |
| Dec 03, 2025 | Intrafamily Transfer, Transfer · Conventional Mortgage CENTENNIAL BANK |
| Nov 05, 2021 | Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK |
| Aug 23, 2019 | Deed of Trust, Mortgage · Conventional with PMI NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 05, 2021 · Amount on Record |
| Deed Sale | Nov 05, 2021 · Amount on Record |
| Prior Sale | Dec 21, 2001 · Amount on Record |
| Deed Document Number | 202155432 |
| Deed Book / Page | 3224 / 1217 |
| Last Transfer Date | Nov 26, 2025 |
| Transfer Doc | 0033793345 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 596 MALLET BAYOU RD, FREEPORT, FL 32439-4604 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2025 |
| Name | Verified Name |
|---|---|
| Address | 596 MALLET BAYOU RD, FREEPORT, FL 32439-4604 |
| Document Number | 0033274235 |
|---|---|
| Date | Jun 17, 2024 |
| Book Page | 3327/4235 |
| Instrument | 20240021403 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 13, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Dec 03, 2025 |
| Property Address | 596 MALLET BAYOU RD, FREEPORT, FL 32439-4604 |
| Document Number | 0033793345 |
| Book / Page | 3379 / 3345 |
| Instrument Date | Nov 26, 2025 |
| Instrument | 20250044460 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2025 |
| Title Company | UNKNOWN, DEFENDER T&E AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 596 MALLET BAYOU RD, FREEPORT, FL 32439-4604 |
| Name | Verified Name |
|---|---|
| Address | 596 MALLET BAYOU RD, FREEPORT, FL 32439-4604 |
| Document Number | 0033793346 |
|---|---|
| Date | Dec 03, 2025 |
| Instrument | 3379/3346 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Nov 05, 2021 |
| Property Address | 596 MALLET BAYOU RD, FREEPORT, FL 32439-4604 |
| Document Number | 0032241217 |
| Book / Page | 3224 / 1217 |
| Instrument Date | Nov 04, 2021 |
| Instrument | 20210055432 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | UNKNOWN, DEFENDER T&E AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6412 SUNSET AVEB, PANAMA CITY BEACH, FL 32408 |
| Name | Verified Name |
|---|---|
| Address | 15 PALM ST, FREEPORT, FL 32439-3008 |
| Document Number | 0032241219 |
|---|---|
| Date | Nov 05, 2021 |
| Instrument | 3224/1219 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Dec 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 10% |
| Index | 1-Year CMT |
| Max Rate | 10% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 596 MALLET BAYOU RD, FREEPORT, FL 32439-4604 |
| Document Number | 0031162181 |
| Instrument Date | Aug 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 6412A SUNSET AVE PANAMA CITY BEACH FL 324086015, PANAMA CITY BEACH, FL 32408-6015 |
| Document Number | 0031162181 |
|---|---|
| Date | Aug 29, 2019 |
| Book Page | 003116/002181 |
| Instrument | 29785 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 28, 2049 |
Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,065.00 (+4.18%) Homeowner's exemption | $400,249 (-13.55%) | $484,542 (+4.66%) Land $339,000 Building $145,542 |
| 2024 | $2,942.00 (+3.66%) | ||
| 2023 | $2,838.00 (+0.64%) Homeowner's exemption | $462,988 (+29.07%) Land $322,050 Building $140,938 | $462,988 (+29.07%) Land $322,050 Building $140,938 |
| 2022 | $2,820.00 Homeowner's exemption | $358,720 Land $232,982 Building $125,738 | $358,720 Land $232,982 Building $125,738 |
Source: FEMA National Flood Hazard Layer as of June 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 126 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 126 in force |
| Nearby Flood Claims | 68 (1992–2021) |
| Claims Outside the SFHA | 7 of 68 |
| Most Recent Claim | Jun 2021 · other causes |
| Claims by Event |
|
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
May also be available: Wildstar Networks.
Based on FCC filings for 88 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTH BAY WATER SYSTEM serves 3,171 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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